Acle Law Answers the 5 Most Common Questions About Claims Process After a Storm

We’ve been lucky so far this hurricane season across South Florida, but that won’t always be the case. Did you know that recent estimates indicate the losses from Hurricane Laura are going to be between $8 and $12 billion in Louisiana alone. That means that a lot of Louisiana residents are now navigating the insurance claims process. So how exactly does that work? What happens if and when a storm hits South Florida?


Q: I reported my claim to my insurance carrier; now what do I do?

A: You need to take immediate steps to prevent further damage. However, do not attempt permanent repairs or dispose of any damaged property before the adjuster can see it and make his assessments on behalf of your insurance company. As a homeowner or property owner, carefully document your losses and then you can dispose of the debris. Photograph or video and perishable items and make sure you keep any and all receipts for emergency repairs and additional living expenses to substantiate your claim.


Q: How long does it take to settle a claim?

A: Generally, the priority of settling claims goes to the most severe losses. Larger claims are typically settled in stages and not all at once. With a hurricane or major natural disaster, insurers are dealing with a lot of claims. Sometimes it can take months or even years to finally settle a claim. That’s why it’s always important to have an experienced property insurance lawyer on your side to help you navigate the complexities that can arise. 


Q: What can I do to speed up the claims process?

A: Remember to document the damaged property as soon as it is safe to do so. Create a detailed record of all damaged property and include any receipts for items needed to make emergency repairs.


Q: What happens if I can’t live in my home due to the damage or because of repairs?

A: Some insurance policies cover additional living expenses, which can help with temporary housing, restaurant meals, laundry, etc. Make sure you keep all those receipts to document the expenses. 


Q: What if I have questions about my policy coverage and claim amount?

A: This is another great reason to work with an experienced property insurance attorney because they can negotiate on your behalf with your insurance carrier. A claims adjuster is typically going to protect the insurance company’s interests first while safeguarding their bottom line. A skilled attorney will work with you to make sure you maximize your recovery. 


We know your insurance policy can be confusing and overwhelming. In order to avoid unnecessary confusion, you should contact an experienced Florida insurance claims attorney. We will walk you through the terms of your insurance policy and provide representation in any dispute in Florida where your insurer is denying, delaying or under-paying your claim. Call our Miami property insurance claim attorneys at the Acle Law Firm today at 305-447-4667 or visit Acle Law for a free consultation.